"According to the research published by Hackmosphere, the technique works by avoiding the conventional execution path where applications call Windows API functions through libraries like kernel32.dll, which then forwards requests to ntdll.dll before making the actual system call to the kernel."
They also suggest organizations deploy additional security layers beyond Windows Defender, particularly solutions that can monitor behavior at the kernel level.
Anything like this for the typical home user?
Sure, bring back Crowdstrike, that went well...
Btw I wasn't aware XOR was encrytion...
https://en.wikipedia.org/wiki/One_time_pad
XOR may be the only encryption system that cannot be cracked. The length of the key is a PITA though.